Empower your commercial cards
with digital spend management

Empower your commercial cards
with digital spend management

Empower your commercial cards
with digital spend management

Woman sitting at a table using a computer, news paper on the table.
Woman sitting at a table using a computer, news paper on the table.
Woman sitting at a table using a computer, news paper on the table.
Man in a suit smiling and using his computer.
Man in a suit smiling and using his computer.
Man in a suit smiling and using his computer.

Our experiences with banks and commercial card challenges

Focus on what you do bestbeing a bankand let us handle what we do best: delivering a best-in-class, corporate-facing frontend for your commercial card clients.

Cardlay offers flexible solutions tailored to your needs.

On top of your existing infrastructure

Cardlay’s highly configurable frontend is easily integrated into your commercial card infrastructure without costly, time-consuming development.

Cards-as-a-Service - we will bring all the pieces

We connect underlying systems and partners to deliver a best-in-class commercial card solution under your brand name. With our expertise, we ensure a fast, flexible go-to-market process tailored to your needs.

Frontend

Bank infrastructure

Frontend

Bank infrastructure

Frontend

Bank infrastructure

Frontend

Bank infrastructure

Strengthen customer relationships

Strengthen customer relationships

Currently, most banks engage only with carded employees. With our solution, you can expand your reach to all clients, unlocking significant revenue growth.


Build stronger relationships with both carded and non-carded customers through seamless in-app card distribution. Sell more cards, enhance customer convenience, and foster loyalty - all while driving portfolio growth and maximizing your business potential.

Currently, most banks engage only with carded employees. With our solution, you can expand your reach to all clients, unlocking significant revenue growth.


Build stronger relationships with both carded and non-carded customers through seamless in-app card distribution. Sell more cards, enhance customer convenience, and foster loyalty - all while driving portfolio growth and maximizing your business potential.

Mads Krumhart, CEO Eurocard & Airplus

“... to simplify their work and save them time and money. ”

Out-of-pocket

Jovan Upshaw

Activities

June 6th 2023

Orange "Fuel And Food" logo.

Fuel and food

10:43

DKK 50,00

June 6th 2023

Red logo with the text ‘Hot Wheel Car Rental’ and a stylized white car graphic.

Hotwheel car rental

10:43

DKK 895,00

June 6th 2023

White Gasolino logo featuring red text and a black fuel pump icon in the center.

Gasolino

12:32

DKK 185,95

June 6th 2023

Blue parking logo.

Parking

16:21

EUR 13,07

DKK 97,42

June 6th 2023

Kronetaxa logo with black text on a yellow background.

Kronetaxa

05:12

DKK 432,76

June 6th 2023

A2B logo in black and yellow.

A2B Taxa

10:43

DKK 450,60

Out of Pocket

Add OOP

9:41

Mileage description

Add comment

Submit trip

19/05/2023

Billedskærervej 17, 5230 Odense M

From address

Lufthavnsboulevarden 6, 2770 Kastrup

To address

Distance

KM

164,61

Return trip

DD12345

Route specification

Map showing the car route from Billedskærervej 17, Odense, to Langebrogade 4, Copenhagen.

9:41

Create trip

The choice is yours

Our flexible, modular platform lets you tailor your approach—launch a complete spend management solution or start small with a card or expense management white-label solution, perfectly customized to meet your needs.

Card

management

With card management, you can introduce many of the services found in traditional bank branch offices, but in a real-time environment managed by the company.

Hand holding an iPhone displaying the Cardlay Expense app.

Expense
management

The expense management service delivers a real-time overview of all corporate expenses.
All company card transactions and reimbursements for employees are automatically collected and presented through the solution.

Computer displaying the cardlay expense website.

Features that will help you work smarter

Hand holding an iPhone displaying the Cardlay Expense app.
Hand holding an iPhone displaying the Cardlay Expense app.
Hand holding an iPhone displaying the Cardlay Expense app.

Mobile application

Issue and tokenize virtual cards in the app, anytime, anywhere

Administrator

Expense manager

Card manager

Employee

Access rights

Web application

Flexible organisation overview: Manage employee roles and permissions

Mobile application

View transactions (in real-time)

Good morning,

Jovan Upshaw

Cardlay Payment Solutions A/S

9:41

Transactions

See all

Mountain view hotel

11:51 Reservation

EUR 215,00

DKK 1.602,57

Meatup logo with a black stylized bull in a suit on a red background.

Meatup

23:11

EUR 52

DKK 387,60

Kronetaxa

18:43

DKK 310,80

DKK 310,80

Parking

10:43

DKK 12.56

DKK 12.56

Out of pocket

See all

Fuel and food

11:58

DKK 50,00

Mileage trips

See all

Billedskærervej 17

Langebrogade 4

km 164

DD34567

Langebrogade 4

Billedskærervej 17

km 164

DD34567

Need attention

1

Mountain View Hotel logo in green with white stars and a mountain visualisation.

Mountain view hotel

11:51 Reservation

EUR 215,00

•••• 1234

Hand holding an iPhone displaying the Cardlay Expense app managing expenses on the go.
Hand holding an iPhone displaying the Cardlay Expense app managing expenses on the go.

Mobile application

Manage expenses on the go 

Computer on a table displaying the Cardlay Expense website.
Computer on a table displaying the Cardlay Expense website.

Web application

Multiple export options

Export as Excel

Export in csv

Open API

Direct integration to multiple ERP's


...

Computer displaying the cardlay expense website.

Web application

Intuitive approval flows and swiftly manage expenses

Women sitting on a sofa using her computer.

Allow ATM withdrawal

Allow online payment

All countries allowed

Some categories allowed

Card controls

Web application

Extensive and granulated spend controls on cards

Computer displaying the cardlay expense website.
Computer displaying the cardlay expense website.
Computer displaying the cardlay expense website.

Web application

Full overview of active cards 

Mobile application

Push notifications and messaging

Locked iPhone screen with blue-green background.

12:57

99

􀝌

􀉪

􀌟

Transaction was declined

15m ago

Your transaction of GBP 150.99 was declined. View transaction to learn more.

wednesday 7 September

12:57

􀟤

23

15

26

Mountain view hotel

Now

You have spent EUR 120.00 and are ready to enrich the expense

Needs your attention

Now

Mountain view hotel EUR 120.00. Hi, please finalise and submit your expense.

How we work with card networks

Card networks are essential and invaluable partners to Cardlay. We are network-agnostic and collaborate closely with them to meet the needs of our joint commercial clients.


Reach out to learn more about how we can leverage your chosen network to enhance your customer offering.

How we work with card networks

Card networks are essential and invaluable partners to Cardlay. We are network-agnostic and collaborate closely with them to meet the needs of our joint commercial clients.


Reach out to learn more about how we can leverage your chosen network to enhance your customer offering.

How we work with card networks

Card networks are essential and invaluable partners to Cardlay. We are network-agnostic and collaborate closely with them to meet the needs of our joint commercial clients.


Reach out to learn more about how we can leverage your chosen network to enhance your customer offering.

How we work with card networks

Card networks are essential and invaluable partners to Cardlay. We are network-agnostic and collaborate closely with them to meet the needs of our joint commercial clients.


Reach out to learn more about how we can leverage your chosen network to enhance your customer offering.

Unlocking value with Cardlay

Let’s build your success together!

Value for the bank

Offer your customers a corporate facing self-service admin and native employee mobile app

A comprehensive solution supporting all card types, with self-service admin tools, mobile apps, virtual card capabilities, instant issuance, Apple/Google Pay provisioning, and advanced controls for seamless corporate spend management.

Value for the administrators

Complete card portfolio control and advanced expense management

Value for the employee/cardholders

Easy to use mobile app for on-the-go spend management

“... great overview ”

“... Self-service is the way forward”

“... reducing errors and fraud risks.”

Unlocking value with Cardlay

Let’s build your success together!

Value for the bank

Offer your customers a corporate facing self-service admin and native employee mobile app

A comprehensive solution supporting all card types, with self-service admin tools, mobile apps, virtual card capabilities, instant issuance, Apple/Google Pay provisioning, and advanced controls for seamless corporate spend management.

Value for the administrators

Complete card portfolio control and advanced expense management

Value for the employee/cardholders

Easy to use mobile app for on-the-go spend management

“... great overview ”

“... Self-service is the way forward”

“... reducing errors and fraud risks.”

Unlocking value with Cardlay

Let’s build your success together!

Value for the bank

Offer your customers a corporate facing self-service admin and native employee mobile app

A comprehensive solution supporting all card types, with self-service admin tools, mobile apps, virtual card capabilities, instant issuance, Apple/Google Pay provisioning, and advanced controls for seamless corporate spend management.

Value for the administrators

Complete card portfolio control and advanced expense management

A comprehensive solution supporting all card types, with self-service admin tools, mobile apps, virtual card capabilities, instant issuance, Apple/Google Pay provisioning, and advanced controls for seamless corporate spend management.

Value for the employee/cardholders

Easy to use mobile app for on-the-go spend management

A comprehensive solution supporting all card types, with self-service admin tools, mobile apps, virtual card capabilities, instant issuance, Apple/Google Pay provisioning, and advanced controls for seamless corporate spend management.

Unlocking value with Cardlay

Let’s build your success together!

Value for the bank

Offer your customers a corporate facing self-service admin and native employee mobile app

A comprehensive solution supporting all card types, with self-service admin tools, mobile apps, virtual card capabilities, instant issuance, Apple/Google Pay provisioning, and advanced controls for seamless corporate spend management.

Value for the administrators

Complete card portfolio control and advanced expense management

Value for the employee/cardholders

Easy to use mobile app for on-the-go spend management

“... great overview ”

“... Self-service is the way forward”

“... reducing errors and fraud risks.”

Who can benefit most from your solutions?

We know every customer is unique, with SMBs and large corporations having different needs. Our modular, microservices-based platform lets you tailor solutions to match each business segment and individual customer’s size and requirements.

Who can benefit most from your solutions?

We know every customer is unique, with SMBs and large corporations having different needs. Our modular, microservices-based platform lets you tailor solutions to match each business segment and individual customer’s size and requirements.

Who can benefit most from your solutions?

We know every customer is unique, with SMBs and large corporations having different needs. Our modular, microservices-based platform lets you tailor solutions to match each business segment and individual customer’s size and requirements.

Who can benefit most from your solutions?

We know every customer is unique, with SMBs and large corporations having different needs. Our modular, microservices-based platform lets you tailor solutions to match each business segment and individual customer’s size and requirements.

Why should we choose Cardlay over others?

We support both VISA and Mastercard, offering a unified solution for seamless service across both networks. Our platform integrates with multiple scheme networks, reducing bank dependency and enabling faster go-to-market.

Why should we choose Cardlay over others?

We support both VISA and Mastercard, offering a unified solution for seamless service across both networks. Our platform integrates with multiple scheme networks, reducing bank dependency and enabling faster go-to-market.

Why should we choose Cardlay over others?

We support both VISA and Mastercard, offering a unified solution for seamless service across both networks. Our platform integrates with multiple scheme networks, reducing bank dependency and enabling faster go-to-market.

Why should we choose Cardlay over others?

We support both VISA and Mastercard, offering a unified solution for seamless service across both networks. Our platform integrates with multiple scheme networks, reducing bank dependency and enabling faster go-to-market.

How does the implementation work?

An efficient implementation process is key to a successful partnership. Cardlay’s experience and flexibility ensure a seamless design, implementation, and launch. Our proven framework and customer-centric approach guarantee on-time delivery and a smooth go-live.

How does the implementation work?

An efficient implementation process is key to a successful partnership. Cardlay’s experience and flexibility ensure a seamless design, implementation, and launch. Our proven framework and customer-centric approach guarantee on-time delivery and a smooth go-live.

How does the implementation work?

An efficient implementation process is key to a successful partnership. Cardlay’s experience and flexibility ensure a seamless design, implementation, and launch. Our proven framework and customer-centric approach guarantee on-time delivery and a smooth go-live.

How does the implementation work?

An efficient implementation process is key to a successful partnership. Cardlay’s experience and flexibility ensure a seamless design, implementation, and launch. Our proven framework and customer-centric approach guarantee on-time delivery and a smooth go-live.

Can Cardlay help us quickly launch a competitive commercial card offering on our own infrastructure?

Cardlay offers a corporate frontend, with issuing and processing via our partners. We provide a fast go-to-market solution and can support a smooth transition to your own infrastructure without disrupting the customer experience.

Can Cardlay help us quickly launch a competitive commercial card offering on our own infrastructure?

Cardlay offers a corporate frontend, with issuing and processing via our partners. We provide a fast go-to-market solution and can support a smooth transition to your own infrastructure without disrupting the customer experience.

Can Cardlay help us quickly launch a competitive commercial card offering on our own infrastructure?

Cardlay offers a corporate frontend, with issuing and processing via our partners. We provide a fast go-to-market solution and can support a smooth transition to your own infrastructure without disrupting the customer experience.

Can Cardlay help us quickly launch a competitive commercial card offering on our own infrastructure?

Cardlay offers a corporate frontend, with issuing and processing via our partners. We provide a fast go-to-market solution and can support a smooth transition to your own infrastructure without disrupting the customer experience.

We already have a card management app and now want to provide an expense management solution, it that possible?

Cardlay’s modular, flexible platform allows you to seamlessly offer an integrated expense management solution under your own brand.

We already have a card management app and now want to provide an expense management solution, it that possible?

Cardlay’s modular, flexible platform allows you to seamlessly offer an integrated expense management solution under your own brand.

We already have a card management app and now want to provide an expense management solution, it that possible?

Cardlay’s modular, flexible platform allows you to seamlessly offer an integrated expense management solution under your own brand.

We already have a card management app and now want to provide an expense management solution, it that possible?

Cardlay’s modular, flexible platform allows you to seamlessly offer an integrated expense management solution under your own brand.

Can Cardlay be integrated and enrolled on our current commercial card offering?

Yes. Our flexible, infrastructure-agnostic platform seamlessly integrates with any commercial card system, enabling us to digitize and enhance your existing card offerings.

Can Cardlay be integrated and enrolled on our current commercial card offering?

Yes. Our flexible, infrastructure-agnostic platform seamlessly integrates with any commercial card system, enabling us to digitize and enhance your existing card offerings.

Can Cardlay be integrated and enrolled on our current commercial card offering?

Yes. Our flexible, infrastructure-agnostic platform seamlessly integrates with any commercial card system, enabling us to digitize and enhance your existing card offerings.

Can Cardlay be integrated and enrolled on our current commercial card offering?

Yes. Our flexible, infrastructure-agnostic platform seamlessly integrates with any commercial card system, enabling us to digitize and enhance your existing card offerings.

We know fintech can be a bit tricky at times, so we’ve made it easy for you by answering the most common questions right here—clear, simple, and just for you!

Frequently asked questions

Get Cardlay now?

Ready to transform your spend management to the next level? Reach out. We are here to help.

Needs your attention

Now

Mountain view hotel EUR 120.00. Hi, please finalise and submit your expense.

Get Cardlay now?

Ready to transform your spend management to the next level? Reach out. We are here to help.

Needs your attention

Now

Mountain view hotel EUR 120.00. Hi, please finalise and submit your expense.

Get Cardlay now?

Ready to transform your spend management to the next level? Reach out. We are here to help.

Needs your attention

Now

Mountain view hotel EUR 120.00. Hi, please finalise and submit your expense.

Get Cardlay now?

Ready to transform your spend management to the next level? Reach out. We are here to help.

Needs your attention

Now

Mountain view hotel EUR 120.00. Hi, please finalise and submit your expense.

Cardlay is a Danish FinTech company founded with a clear purpose: We want to drive effortless corporate spend by making it easy for businesses to handle cards, payments, and expenses.

With presence in Europe and US, Cardlay has disrupted the fintech industry by enabling both regional issuers and some of the worlds largest financial institutions and technology corporations to launch new digital innovative solutions catering for both SMEs and global enterprises.

Odense office

Billedskærervej 17 • DK-5230 Odense M

Copenhagen office

Langebrogade 4 • DK-1411 København K

• VAT no DK37447285 • Copyright © 2025 Cardlay A/S

Made with ❤️ by Cardlay Design team

Cardlay is a Danish FinTech company founded with a clear purpose: We want to drive effortless corporate spend by making it easy for businesses to handle cards, payments, and expenses.

With presence in Europe and US, Cardlay has disrupted the fintech industry by enabling both regional issuers and some of the worlds largest financial institutions and technology corporations to launch new digital innovative solutions catering for both SMEs and global enterprises.

Odense office

Billedskærervej 17 • DK-5230 Odense M

Copenhagen office

Langebrogade 4 • DK-1411 København K

• VAT no DK37447285 • Copyright © 2025 Cardlay A/S

Made with ❤️ by Cardlay Design team

Cardlay is a Danish FinTech company founded with a clear purpose: We want to drive effortless corporate spend by making it easy for businesses to handle cards, payments, and expenses.

With presence in Europe and US, Cardlay has disrupted the fintech industry by enabling both regional issuers and some of the worlds largest financial institutions and technology corporations to launch new digital innovative solutions catering for both SMEs and global enterprises.

Odense office

Billedskærervej 17 • DK-5230 Odense M

Copenhagen office

Langebrogade 4 • DK-1411 København K

CVR. 37447285 • Copyright © 2025 Cardlay A/S

Made with ❤️ by Cardlay Design team

Cardlay is a Danish FinTech company founded with a clear purpose: We want to drive effortless corporate spend by making it easy for businesses to handle cards, payments, and expenses.

With presence in Europe and US, Cardlay has disrupted the fintech industry by enabling both regional issuers and some of the worlds largest financial institutions and technology corporations to launch new digital innovative solutions catering for both SMEs and global enterprises.

Odense office

Billedskærervej 17 • DK-5230 Odense M

Copenhagen office

Langebrogade 4 • DK-1411 København K

• VAT no DK37447285 • Copyright © 2025 Cardlay A/S

Made with ❤️ by Cardlay Design team